Compare business credit cards for startups | finder.com
business credit cards for startups

Compare business credit cards for startups

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Many business credit cards offer helpful benefits for startups.

Running a startup is never easy. You’re juggling multiple priorities at any given moment — including, of course, your company’s finances.

A business credit card can be your best friend for covering last minutes expenses. There are lots of choices catering to startups, so compare the annual fees, benefits and rewards to find the best card for your startup.

Our pick for startups

SimplyCash® Plus Business Credit Card from American Express

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors
  • Terms apply
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Compare business cards for startups

Updated April 26th, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening

Compare up to 4 providers

Best business credit cards for startups

There are many business cards on the market, but it’s likely only a few offer benefits that meet your specific needs. Here are a few of our top picks.

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Best for travel: Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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This is one of your best choices if you travel often. You’ll earn accelerated points on travel and other business categories. And when you redeem points through Chase Ultimate Rewards, they’re worth 25% more.

      Best for intro APR: The Blue Business‎℠ Plus Credit Card from American Express

      The Blue Business‎℠ Plus Credit Card from American Express

      • Get rewarded for business as usual. Earn 2x Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
      • 2x applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
      • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
      • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
      • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
      • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
      • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
      • Terms apply
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      Promoted

      If you need to take on interest-free debt for longer than a month, you’ll want a card with a strong intro APR. The Blue Business‎℠ Plus Credit Card from American Express is one of your top options, offering a long zero-interest promotion (see Rates & Fees ) compared to similar business cards.

      Best for average credit: Spark® Classic for Business

      Spark® Classic for Business

      Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.

      Promoted
      When you’re bootstrapping your startup, you might not have the best credit, from running up high balances or taking out loans. When other cards might be out of reach, the Spark® Classic for Business may be a viable option.

      Best for limiting debt: American Express® Business Gold Card

      American Express® Business Gold Card

      • Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.*
      • MORE REWARDS: Get 4x Membership Rewards® points on the 2 select categories where your business spent the most each month**
      • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
      • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
      • EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.*
      • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.*
      • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManager℠, receive a Year-End Summary, and more.*
      • *Terms apply
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      Promoted

      If you’re worried about running up high balances on your card, you can keep yourself in check with the American Express® Business Gold Card. That’s because it’s a charge card, meaning you must pay off your balance each month unless you opt to use the Pay Over Time feature. Luckily, it’s also a strong rewards card, which can balance the steep annual fee (see Rates & Fees ).

      Best for flat cash back: Spark® Cash from Capital One®

      Business Advantage Travel Rewards World Mastercard® credit card

      Earn more travel rewards for your business purchases

      Promoted

      If your expenses spread through many categories, like office supplies, travel and shipping costs, a flat-rate rewards card like the Spark® Cash from Capital One® might help. It offers unlimited 2% cash back on all purchases.

      If you don’t want to pay an annual fee, try the Spark® Cash Select from Capital One®. And if you want flat travel rewards, try the Spark® Miles from Capital One® or Spark® Miles Select from Capital One®.

      How we selected our top cards

      We measured a few different factors when comparing available credit cards for startup businesses, including credit score requirements, introductory APRs, reward programs, points or cash back earned per dollar, reward earning categories signup bonuses and other added perks particularly beneficial to startups. The cards we highlighted demonstrated exemplary performance in one or more of these categories.

      What’s changed in 2019

      Our list stood unchanged this year, with each card maintaining strong performance and remaining one of the top picks in their respective categories. While the The Blue Business‎℠ Plus Credit Card from American Express no longer has the longest intro APR available, it still remains a terrific choice and maintained its position on our list.

      How to compare business credit cards for startups

      • Annual fee. When cash is tight, you might not want the expense of an annual fee. There are solid no-annual-fee business cards, though you’ll earn more powerful rewards with cards you have to pay for.
      • Signup bonus. If you anticipate heavy purchases in the next few months, you could breeze past the spending requirement for a card’s signup bonus. Business credit cards often have more impressive bonuses than personal cards.
      • Intro APR. This could be the answer if you’ll rack up debt soon but need several months to pay it off. Intro APRs for business cards tend to top off at around 15 months.
      • Rewards. A card with strong rewards can pay for itself. If your card has tiered rewards, check that your startup has significant expenses in the right categories. If your expenses are spread evenly throughout many categories, you might get more out of a flat-rewards card.

      Bottom line

      Your startup faces unique challenges, which some cards can address more effectively than others. Compare options that give your rewards, balance transfers and an annual fee you can afford.

      If you’d like to compare more products, visit our guide on business credit cards.

      Frequently asked questions

      Disclaimer

      Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

      Rates and fees

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